BT Super for Life

BT Super for Life will change the way you look at your super, conveniently managed online alongside your everyday banking. BT Super for Life offers a range of investment options that evolve with you across key life stages or by choosing your own investment mix.

Features & benefits

Manage your super alongside your everyday banking

Choose how your money is invested or let us manage for you

No commissions, withdrawal or contribution fees

Help with tracking down your lost super and transferring it into your BT Super for Life account

If you’ve changed jobs, done casual or part-time work, moved house or changed your name, then you could be one of the many Australians who have lost track of some super. We can help you find it and transfer it into your account.

BT Super Invest

Super reimagined

What if your super could be a lot more flexible? BT Super Invest lets you design a super account that reflects what you value. Decide where to invest and how much you want to do and leave the rest to be managed by professionals.

Features & benefits

Decide how much you want to invest and fine-tune your portfolio as you go

You can choose how involved you’d like to be in managing your investments and take on more or less as you see fit

Invest your money, how and when you want, without the paperwork. You can refine your investments as you go, make the most of opportunities and adjust your long-term strategy when you see fit

You can access a range of investments including shares, ETFs, ready-made portfolios, managed funds and more

BT SuperWrap

BT SuperWrap allows you to ‘wrap’ your superannuation portfolio of shares, managed funds and insurance into one easy-to-manage account and provides you with online access to consolidated reporting and tax statements for the whole portfolio. Experience the control, choice, flexibility and professional service to help you manage your super or retirement portfolio.

Features & benefits

Wide investment choice with access to over 580 managed funds and a broad range of ASX listed securities

Features & benefits

BT Super

BT Super is for all Australians, but there is no one else like you so this isn’t a one-size-fits-all approach to planning for your future. BT Super gives you choice, with guided journeys and support to help you along the way.

Features & benefits

Access your super – and importantly, take action – any time, from anywhere via our online portal or app.

A Product Disclosure Statement (PDS) and Financial Services Guide (FSG) is available for each of these products (except for SuperWrap) and can be obtained from the Product Disclosure Statement page. A PDS for SuperWrap can be obtained from your financial adviser. You should obtain and consider the relevant PDS and FSG before deciding whether to acquire, continue to hold or dispose of interests in the relevant product.

Westpac Life Insurance Services Limited ABN 31 003 149 157, AFSL No. 233728 (WLIS) is the issuer of insurance cover offered through BT Super for Life. Further information about the insurance available through BT Super for Life is included in the PDS. Insurance cover through BT Super Invest is provided through BT Protection Plans. BT Protection Plans are issued by WLIS, except for Term Life as Superannuation and Income Protection as Superannuation which are issued by WSAL as trustee of the Westpac MasterTrust. The insurance is subject to terms and conditions, and limitations and exclusions apply. Please read the BT Protection Plans Product Disclosure Statement to see if this insurance is right for you. This can be obtained by calling 1300 553 764 or visiting bt.com.au/personal/help/pds.html.

BTPS is the provider of the Panorama SMSF Establishment Service and the Panorama SMSF Administration Service. The Guide and Terms and Conditions for these services are available by contacting BTPS.

Superannuation is a long-term investment. The Government has placed restrictions on when you can access your preserved benefits. The Government has set caps on the amount of money you can add to superannuation each year on a concessionally taxed basis. In addition, the Government has set a non-concessional contributions cap. For more detail, speak with a financial adviser or visit the ATO website. There may be limited circumstances where your employer is not required to accept your Choice of Superannuation fund form e.g. if you have already exercised Super Choice in the last 12 months.

Before requesting a rollover, you should consider where your future employer contributions will be paid (if your employer contributions are currently being paid to another fund) and check with your other fund(s) to determine whether there are any exit or withdrawal fees for moving your benefit, or other loss of benefits (e.g. insurance cover), noting that you may not receive the same type or level of benefits after the rollover. You may not be covered for injuries or illnesses that have arisen since you took out previous insurance, and you may lose loyalty benefits.

The information shown on this site is general information only, it does not constitute any recommendation or advice; it has been prepared without taking into account your personal objectives, financial situation or needs and you should consider its appropriateness with regard to these factors before acting on it. Any taxation position described is a general statement and should only be used as a guide. It does not constitute tax advice and is based on current tax laws and our interpretation. Your individual situation may differ and you should seek independent professional tax advice. You should also consider obtaining personalised advice from a professional financial adviser before making any financial decisions in relation to the matters discussed hereto.